My Process:

Learn & Align - understand your financial values, goals & pain points

Implement Plans - open accounts, plan strategies & investments, solve problems & set up automations

Empowerment - take control - I'm here for accountability, implementation, reevaluation & the next steps as life get more complicated

Together, we'll find Your Everyday ROI.

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Focusing on Your Everyday ROI

Cash Flow Planning

Without judgement, where is your money going each month? How does your spending change throughout the school year & summer? How can you consciously save, spend & invest towards your goals & the things you value? How can you optimize & automate with intension?

Education Planning

Do you qualify for PSLF (public service ) or TLF (Title 1) loan forgiveness? How do you plan to save, invest, & pay for your own or your children's education? What are qualified 529 expenses? What are your options with unused 529 funds? How & where do you prepare for & get the right student loans for your situation?

Retirement Planning

Beyond your defined benefits pension plan, what else is available to educators? What does a low cost, diversified 403B or 457 look like for you? What fees are you currently paying? What if you are choosing to leave education?

Insurance Planning

Who relies on you & your income? How would your loved ones be financially protected if you were gone? What type of coverage do you have or need? When is long term disability, short term disability, or long term care insurance recommended? What is the appropriate amount of coverage?

Investment Planning

Are you investing outside of retirement? Do you have an investment strategy? How & where should your investments be allocated across different account types? How are fees affecting your investment returns? What can you do with an old 401k? How do you open & invest in a after tax brokerage account?

Tax & Estate Planning

What are the most tax efficient ways to save & invest? How are your current assests distributed across tax buckets? Where can educators find additional tax savings & advantages? Do you have appropriate estate documents in place? How should your assets be passed down to your beneficiaries in the most tax advantaged way?

Fees & Services

Hourly Financial Planning

Pay for the time you use for targeted advice on a specific financial issues such as:

• Investment allocation review

• Opening accounts or rollovers

• Pension options & analysis

• Education loan, investment, & saving advice

• Cash flow & budget planning

One-Time Financial Plan

A one-time financial plan is a series of meetings where we analyze your current financial situation, set up systems, & deliver a final written plan with actionable recommendations.

Phase Overview 1) Onboarding & Value Alignment 2) Initial Plan Discussions 3) Action Items 4) Final Plan Review. Additional meetings & email support as needed.

Ongoing Financial Planning Relationship

A long-term, collaborative relationship where we provide continuous, holistic advice, adjust the plan as life changes, & serve as your accountability & implementation partner for your financial plan.

We understand the unique situations of educators, the messy middle of life & a growing family, & the need to plan for a financially secure future, independence, & financial freedom.

Fiduciary financial advice, paid directly by the client. No AUM fees, commissions, or sales. Simple, maximum upfront pricing. Value over cost.

My Commitment:

Make financial concepts easy to understand.

Develop systems & solutions for your unique situation.

Empower you to take actions, automate, & monitor your finances.

Knowledge is power, but applied knowledge is empowering!